DAI is the only crypto-collateralized stablecoin Paymos accepts

Accept DAI payments on Ethereum

DAI is a crypto-collateralized US dollar stablecoin. Paymos accepts DAI on Ethereum mainnet only. Other DAI routes are not part of the current Paymos payment catalog.

The merchant enables Ethereum and DAI for a project. At checkout, the customer sends DAI from a compatible Ethereum wallet. Paymos assigns a dedicated deterministic address to the invoice, monitors Ethereum, applies the relevant confirmation policy and updates the payment status.

This page owns the product question: how Paymos accepts and settles DAI. For the difference between fiat-backed and crypto-collateralized assets, read stablecoin types explained. For asset selection, use USDT vs USDC vs DAI.

When should a business enable DAI?

Enable DAI when customers already hold it on Ethereum and want to use it for invoices. Paymos does not require every project to offer every asset: merchants control which supported tokens and networks appear at checkout.

The practical decision is based on customer demand, wallet support, current Ethereum conditions and the payer's network fee. Paymos does not publish one permanent gas amount for DAI because blockchain costs vary over time. The customer's wallet calculates and pays the network fee required to send the transaction.

DAI on Polygon, BSC, Arbitrum, Optimism or another network is not a supported Paymos payment route. The payer should use only Ethereum when DAI is selected for a Paymos invoice.

DAI remains DAI after settlement

Paymos holds the merchant balance per asset. A confirmed DAI payment contributes to the merchant's DAI balance, and the merchant chooses an available payout route for DAI when creating a withdrawal.

Paymos settles in the accepted asset:

• DAI remains DAI;
• there is no automatic conversion to USDT, USDC, fiat, BTC or ETH;
• there is no separate Paymos conversion fee and no markup hidden in the rate;
• Paymos does not provide a bank-account off-ramp.

Withdrawals go to a merchant-controlled Ethereum address from the withdrawal whitelist when that route is available. The applicable minimum and network fee are shown for the selected payout route.

What does accepting DAI cost?

Crypto collateral does not change the price of accepting DAI:

Plan	Processing fee
Standard	1.0% per settled invoice
Enterprise	0.3% on request

There is no setup fee, monthly platform fee, monthly minimum, reserve or rolling reserve. An unpaid, expired or cancelled invoice has no Paymos processing fee.

The payer's wallet pays the Ethereum network fee required to send DAI. Paymos covers the network cost of accepting and consolidating the payment. Paymos takes no processing commission on withdrawal; a withdrawal can include a network fee paid in DAI — disclosed before you confirm, and subsidised below what that route costs to send. See pricing for the complete fee model.

DAI integration options

DAI can be enabled through the standard Paymos integration surfaces:

• Hosted Checkout for a Paymos-hosted payment page.
• Embedded Checkout for an iframe inside a website.
• Payment Links for sending an invoice without checkout development.
• Low-Code SDK for a browser integration.
• POS Terminal for browser-based in-person collection.
• Host-to-Host REST API for a server-controlled flow.
• Official CMS plugins for supported commerce platforms.

Sandbox and Production use separate credentials with the same API surface. Merchant API requests use HMAC-SHA256 authentication. Follow the quick-start guide, then enable Ethereum and DAI in the project configuration.

How does a DAI payment work?

1. The merchant creates an invoice or opens a configured checkout flow.
2. The payer selects DAI on Ethereum.
3. Paymos allocates a dedicated invoice address and displays the final payment amount.
4. The payer sends DAI and pays the Ethereum fee charged by the wallet.
5. Paymos detects the transfer and tracks confirmation.
6. After the applicable finality threshold, the invoice settles and the DAI balance updates.
7. The merchant receives status changes through the API and authenticated webhooks.

Confirmation policy depends on the network and payment amount. Observed timing also depends on current Ethereum conditions, so Paymos does not promise one fixed confirmation time for every DAI payment.

Security and payment notifications

Outgoing Paymos transactions are signed on isolated infrastructure. Withdrawals can go only to destination addresses that were added to the merchant's whitelist.

Webhook requests use timestamped HMAC-SHA256 authentication in the X-Webhook-Signature header. Failed events can be replayed manually, and up to ten webhook endpoints can be configured per merchant environment. Read webhook verification before treating a payment event as trusted.

Frequently asked questions

Which DAI networks does Paymos support?

Paymos accepts DAI on Ethereum mainnet only.

Can a customer pay DAI from Polygon or an Ethereum L2?

No. Those are not supported DAI payment routes in Paymos. The customer must send DAI on Ethereum to the address shown for the invoice.

Does Paymos convert DAI to another stablecoin?

No. DAI remains DAI in the merchant balance. Paymos does not force conversion to USDT, USDC or another intermediary asset.

How much does accepting DAI cost?

Standard processing is 1.0% per settled invoice. Enterprise processing is 0.3% on request. There is no setup fee, monthly platform fee, monthly minimum, reserve or rolling reserve. The payer's wallet pays the Ethereum network fee for sending DAI.

How long does a DAI payment take to confirm?

There is no universal fixed time. Confirmation policy depends on the payment amount, while observed timing depends on current Ethereum conditions.

Can a settled DAI payment be reversed?

A payment that has reached blockchain finality cannot be reversed through a card-scheme chargeback. A merchant refund is a new outbound blockchain transaction, not a reversal of the original transfer.